C. JAY PLATT

Charlotte, NC 704-***-**** ad2nop@r.postjobfree.com linkedin.com/in/jay-platt/

Risk Analyst/3rd Party & Portfolio Management

SUMMARY

Award-winning senior Risk Analyst, recognized for excellent customer service with 15+ years of experience in operational efficiency, portfolio review and streamlining policies and procedures, credit risk, and customer management. Skilled in prime, aggregator, and Alternative Markets and student loan Risk Analysis of all Portfolios. Process management and Reporting to management on the Portfolio review with violations suggested actions, and new Policies and Procedures to put in place.

SKILLS

• Risk Analysis • Underwriting

• Credit Risk • Loan Process

• Regulatory Control • Compliance

EXPERIENCE

OPERATIONS July 2023 – December 2023

S3cuso

• Credit Union support for three major credit unions: Bethpage FCU, SECU-MD and Bellco.

• Operational support help, such support with official checks and anything else including fraud.

• Worked with five9, VMware, DNA and other systems.

SENIOR RISK UNDERWRITER August 2020 – October 2022

Digital Risk/on a project for Wells Fargo

Analyze and verify all borrower loan file information for SharePoint and other systems. Underwrite loan files from paperless format from certain Portfolios to lender modification guidelines to ensure quality and whether decisions were made correctly.

• Drove excellence in underwriting quality and through effective leadership as a Peer Reviewer. Helped team members maintain the highest standards of performance in the peer review process.

• Conducted review and analysis of Policies and Procedures to drive operational improvements.

• Received the prestigious GOAT Award, recognizing outstanding achievement as the top-performing Risk Analyst in terms of volume and quality.

OPUS CAPITAL MARKETS CONSULTANTS, LLC September 2019 - April 2020

Sr. Forensic Underwriter/Mortgage Risk Underwriter (Contract underwriter)

Analyzed/underwrote complete loan files in paperless format for a final decision, using lender guidelines.

Credit review, forensic review, risk review, quality control review, worked on policy and procedure updates for specified portfolios.

• Utilized Opus, Paragon, and AUS systems.

PRIMERICA FINANCIAL SERVICES April 2018 - August 2019

Independent Representative

Helped families earn more income, become properly protected, debt free, and financially independent.

• oversee hiring, training, and mentoring process to ensure the success of each team member.

Bed Bath and Beyond, Concord Mills, SC February 2017 – April 2018

Retail Associate

Responsible for all receivables and performed quality control on all store merchandise.

AIG / UNITED GUARANTY Greensboro, NC July 2008 – January 2017

Sr. Forensic Underwriter – Mortgage Insurance

Oversaw quality control loan reviews to ensure the loan was underwritten to original guidelines. Analyzed Risk/ underwrote complete loan files from paper and paperless formats for final decision.

• Conducted meticulous reviews of loan applications, ensuring compliance with regulations and identifying fraud/misrepresentation and undisclosed debts via online database searches.

• Provided clear, detailed final decisions with precise claim calculations, resulting in effective risk management recommendations.

• Analyzed existing Policies and Procedures and provided insightful recommendations for portfolio-specific improvements, enhancing overall operational efficiency, and reducing risk exposure.

CAMPUS PARTNERS, Winston-Salem, NC April 2007 – May 2008

Director, Loan Production – Private Student Loan Consolidation

Led loan consolidation operations. Directed and trained a staff of five. Developed and wrote all procedures and ensured they were in line with company and investor guidelines.

• Built start-up operation with a call center, underwriting, and servicing support to $4 million monthly funding volume by 6th month of operation, with minimal systems support.

• Developed and implemented credit guidelines to balance risk with company and investor/insurer requirements, ensuring compliance through operational flows and pre/post-closing audits. Achieved perfect quality scores for all audits.

FREDDIE MAC, McLean, VA August 1994 – May 2006

Sr. Risk Analyst / Portfolio Reviews / Due Diligence

Served as Lead Risk Analyst for portfolio/operational risk reviews of external customers. Led due diligence review team at the site of originators, servicers, aggregators, and vendors, managing $5 billion Portfolio deals. Compiled risk assessment report and recommendations for Freddie Mac Senior Management.

• Presented comprehensive due diligence results to Senior Management and Freddie Mac, highlighting potential risks and proposing actionable solutions to mitigate them.

• Conducted a thorough review of customer Policies and Procedures, which included writing and re-writing, identifying areas for improvement and providing recommendations that lead to changes of enhanced operational efficiency and risk management.

• Developed a loan review methodology analyzing customer trends, mitigating potential risks, and earning a Premier Achievement Award for innovative risk analysis.

Virginia Tech

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